If there are any changes to this Privacy Policy, we’ll post them on the Website and send them to the last email address you gave us. Any changes will be effective as of the date we post on the Website or send the email (or whichever date is later). You may object to any changes within 20 days after they’re posted on our Website or delivered to you, in which case none of the proposed changes will be effective with respect to information that we’ve already collected from you, but will apply only to information we collect in the future. We won't treat information of any open account differently from any other open account. If you object to changes in our Privacy Policy, we’ll have to terminate your account. That said, if we ever changed our Privacy Policy to expand our rights to use or disclose Personal Information for marketing purposes, you‘d be able to opt out without termination.